UMB Financial
UMBF · Regional Banks
$135.51
0.5%Wintrust Financial
WTFC · Regional Banks
$150.77
0.7%The short version
- Wintrust Financial is the larger business, with $2.7B of revenue in fiscal 2025 against $2.7B for UMB Financial.
- UMB Financial grew revenue faster (62.8%, against 11.2%).
- Investors pay more for each dollar of Wintrust Financial’s earnings: a P/E of 12.1x against 11.3x for UMB Financial.
| Latest fiscal year | UMBF · FY25 | WTFC · FY25 |
|---|---|---|
| Size | ||
| Market cap | $10.0B | $10.2B |
| Revenue | $2.7B | $2.7B |
| Free cash flow | — | — |
| Net income | $702M | $824M |
| Growth | ||
| Revenue growth | 62.8% | 11.2% |
| 5-year growth | 15.5% | 10.6% |
| Share count change | 50.2% | 4.9% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 26.5% | 30.2% |
| FCF margin | — | — |
| Return on capital | — | — |
| Return on equity | 12.6% | 12.1% |
| Balance sheet | ||
| Net debt | — | — |
| Net debt / EBITDA | — | — |
| Dividends and buybacks | $153M | $169M |
| Valuation & quality | ||
| P/E | 11.3x | 12.1x |
| Piotroski F-score | — | — |
FY16
UMBF $898M
WTFC $1.0B
FY17
UMBF $983M
WTFC $1.2B
FY18
UMBF $1.0B
WTFC $1.3B
FY19
UMBF $1.1B
WTFC $1.5B
FY20
UMBF $1.3B
WTFC $1.6B
FY21
UMBF $1.3B
WTFC $1.7B
FY22
UMBF $1.5B
WTFC $2.0B
FY23
UMBF $1.5B
WTFC $2.3B
FY24
UMBF $1.6B
WTFC $2.5B
FY25
UMBF $2.7B
WTFC $2.7B
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Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.